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CIMA serves more than 5,000 associations and other nonprofit entities nationwide, with programs ranging from property and casualty insurance to directors and officers and professional liability insurance. As the first step in creating our CIMA Association Headquarters Protection Program, we studied our competition. We talked to insurance buyers about their current programs, needs and priorities. Then we developed the kind of program we would want if we were in those buyers' place. In addition, we have our own risk management division, available to work with association clients to address their own unique concerns. We are proud of the difference those services make. Controlling losses is the key to controlling insurance costs in the long run. Our services also can go beyond the insurance program covering an association's headquarters operation. From time to time, an association's members might have trouble obtaining a particular type of insurance at a reasonable cost. CIMA's history is bright with examples of how we have helped associations provide their members access to employment practices liability, professional liability, directors and officers liability, volunteer insurance and other coverages.